Is Wells Fargo One Key+™ Card worth it?
Wells Fargo One Key+™ Card can be a fit for people comparing travel cards from Wells Fargo. The main things to weigh are the $99 annual fee, the rewards structure, and whether the benefits match your spending habits.
Rewards breakdown
Wafacard summary: this travel rewards card shows cash-back earning from 2%-3% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.
Intro offer: Intro value may include 350 points. Confirm current requirements with the issuer.
Card details
Wafacard note: key fit signals include cell phone protection may be available, partner status benefits may apply, travel-focused card positioning. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- Mastercard
- Review status
- Terms reviewed 6/30/2026
Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $99
- Purchase APR
- APR range: 19.24% - 29.24%
- Balance transfer APR
- Check issuer terms
- Cash advance APR
- Check issuer terms
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Check issuer terms
- Grace period
- Check issuer terms
- Recommended credit
- Good (670-719)
- Terms last updated
- 6/22/2026
Key benefits
- Cell phone protection may be available
- Partner status benefits may apply
- Travel-focused card positioning